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What are the average mortgage closing costs in your state?

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The table below lists states alphabetically with their average closing costs. See your state for a detailed summary of average fees. Your final charges probably will be higher than shown here because the most highly variable costs are not included: title insurance, title search, taxes, other government fees, escrow fees and discount points.

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Bankrate requested Good Faith Estimates for a $200,000 mortgage loan from up to 10 lenders in each state, plus Washington, D.C. The hypothetical loan was for a purchase of a single-family house, using a 20 percent down payment, with excellent credit.

Closing costs

StateAverage origination feesAverage third-party feesAverage origination plus third-party fees
Alabama$1,066$776$1,842
Alaska$935$922$1,857
Arizona$1,208$761$1,969
Arkansas$1,057$760$1,817
California$937$896$1,834
Colorado$1,192$719$1,910
Connecticut$1,074$960$2,033
Delaware$904$924$1,828
District of Columbia$1,077$718$1,794
Florida$1,028$778$1,806
Georgia$1,058$821$1,879
Hawaii$1,033$1,130$2,163
Idaho$894$788$1,682
Illinois$1,080$767$1,847
Indiana$1,067$770$1,837
Iowa$1,161$762$1,923
Kansas$1,047$753$1,800
Kentucky$1,060$737$1,797
Louisiana$1,060$817$1,877
Maine$897$830$1,727
Maryland$1,093$742$1,835
Massachusetts$905$851$1,756
Michigan$1,072$746$1,818
Minnesota$1,067$689$1,757
Mississippi$1,046$837$1,884
Missouri$1,040$792$1,833
Montana$1,062$855$1,917
Nebraska$1,047$770$1,817
Nevada$1,002$848$1,850
New Hampshire$1,084$750$1,835
New Jersey$1,181$913$2,094
New Mexico$1,076$876$1,952
New York$1,032$879$1,911
North Carolina$1,036$875$1,911
North Dakota$1,045$791$1,836
Ohio$933$681$1,613
Oklahoma$1,027$734$1,761
Oregon$1,080$785$1,864
Pennsylvania$1,055$678$1,733
Rhode Island$1,093$802$1,896
South Carolina$1,058$837$1,895
South Dakota$1,055$704$1,759
Tennessee$1,033$773$1,806
Texas$1,031$833$1,864
Utah$909$788$1,697
Vermont$1,074$862$1,936
Virginia$1,050$787$1,837
Washington$1,077$824$1,901
West Virginia$1,067$904$1,971
Wisconsin$1,047$723$1,770
Wyoming$874$814$1,689
    
Average$1,041$807$1,847

Bankrate.com surveyed up to 10 lenders in each state in June 2015 and obtained online Good Faith Estimates for a $200,000 mortgage to buy a single-family home with a 20 percent down payment in a prominent city. Costs include fees charged by lenders, as well as third-party fees for services such as appraisals and credit reports. The survey excludes title insurance, title search, taxes, property insurance, association fees, interest and other prepaid items.

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Comparing closing costs With fees for everything from the appraisal to the wire transfer, getting a mortgage is costly. See what the average fees are for your state.
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